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Non QM Product Highlights:

  • 620 Min FICO
  • Loan Amounts up to $2,000,000 on all products
  • Up to 90% LTV with NO MI

Bank Statement Loans (Self Employed)

  • 620 Min FICO
  • Up to 90% LTV , NO MI
  • Loan Amounts up to $2,000,000
  • SFR, Condo, 2-4 units ok
  • 12 and 24 months Personal Bank Statements
  • 12 and 24 months Business Bank Statements
  • NO P&L statement required on Business Bank Statements
  • DTI up to 50% back end in some cases

Jumbo Agency Alternative Loans

  • 620 Min FICO
  • Loan Amounts up to $2,000,000
  • Owner occupied and Investment Properties
  • SFR, Condo, 2-4 Units Ok
  • 620 min – 80% LTV
  • 680 min – 90% LTV, No MI
  • 3 or 6 months reserves only required on many programs
  • DTI as high as 50% back end on some programs
  • Interest Only Options
  • Cash Out up to $1,000,000 cash in hand

Jumbo Agency Alternative Loans

  • Borrowers that can’t qualify for Conventional or FHA
  • 620 Min FICO
  • Loan Amounts up to $2,000,000
  • LTVs up to 85%
    • Mortgage Lates in the last 12 months (30s, 60s, 90s, 120s)
    • 1 day out of foreclosure
    • 1 day out of short sale
    • 1 day out of BK

Investment Property Loans

  • 620 Min FICO
  • SFR, Condo, 2-4 Units Ok
  • Loan Amounts up to $2,000,000
  • Unlimited owned Properties
  • Unlimited Financed Properties
  • Close in LLC or Corporation or Trust
  • Full Doc or  Bank Statements , or No Income / No Assets
  • NO Income / No Asset
    • Credit and Collateral Loan
    • DSCR or No DSCR option
    • No income docs, No Job Listed on 1003, No Assets Required
      • 640 Min FICO
      • LTVS up to 80% (with DSCR)
      • LTVS up to 75% (with No DSCR)